Citizens Financial Services Inc. Common Stock

Citizens Financial Services, Inc. is a bank holding company that provides banking products and services to individual, business, governmental, and institutional customers. Its offerings include checking, savings, and time deposit accounts; residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans. The company also provides trust administration, investment management, estate planning and administration, securities custody, and individual retirement accounts, along with brokerage and financial planning services, assistance with oil and gas leasing matters, and mutual funds, annuities, and health and life insurance products. Founded in 1984, it is headquartered in Mansfield, Pennsylvania.